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Catastrophic healthcare benefits plans are a specific type of health insurance designed primarily to protect individuals from worst-case medical scenarios....
Appealing a premium increase on your healthcare benefits is possible, but it requires a clear strategy. Most employers and insurers set premiums based on...
Out-of-network care can significantly increase your healthcare costs, often in ways that surprise employees-and their employers. When you visit a healthcare...
The short answer is: it depends on whether you are asking as an individual or as an employer. For most individuals, the federal individual mandate penalty...
Employer contributions are the financial commitments companies make to fund their employees' healthcare benefits. Instead of employees bearing the full cost...
Every benefits leader has been there. You open the renewal letter, see the 15% increase, and ask: Why? Your broker gives you a story about medical trend....
Yes, you absolutely can have healthcare benefits from two different sources, such as your own employer and your spouse's employer. This is a common and...
Choosing between an employer-sponsored health plan and an individual plan from the Health Insurance Marketplace (often called the Exchange) is one of the...
It’s a question more employers and employees are asking every year as healthcare costs outpace wages: Can my healthy habits actually lower my premiums? The...
A pharmaceutical formulary is essentially a dynamic, evidence-based list of prescription drugs that a health plan, pharmacy benefit manager (PBM), or...
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